Disclosure of Account Information - The Golden 1 Credit Union

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22 (5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. (6) There may be other exceptions stated in our agreement with you. —CONFIDENTIALITY— We will disclose information to third parties about your account or the transfers you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) as explained in the Privacy Disclosure disclosed elsewhere. —UNAUTHORIZED TRANSFERS— (a) Consumer liability. • Generally. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft of your card and/or code you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers made by card, code or other means that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
• Limited Liability for Visa® Debit Card. Your liability is further limited if your card can be used to initiate a transaction for which you are not required to provide identifying information, such as a Personal Identification Number. You could lose all the money in your account. Your liability for the unauthorized use of your card will be no more than $50 if you notify us of the unauthorized use. In addition, when used in point-of-sale transactions, and unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions if your card is lost or stolen. This limit on liability does not apply to ATM transactions or to transactions using your personal identification number which are not processed by Visa®. If you fail to notify us of an unauthorized use that appears on a periodic statement within 60 days of our transmittal of the statement, and we can establish that we could have prevented the unauthorized use if you had notified us within this period, you will be liable for each unauthorized transfer (other than Visa® point-of-sale transactions) that occurs after the close of the 60 days and before you give us notice. If you fail to notify us because of extenuating circumstances beyond your control that contributed to your delay in notifying us, such as a serious physical impairment or hospitalization, this time period may be extended. (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission. —ERROR RESOLUTION NOTICE— In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 23
Page 1: Disclosure of Account Information R
Page 5 and 6: TERMS AND CONDITIONS OF YOUR ACCOUN
Page 7 and 8: accept for deposit (including items
Page 9 and 10: unless: (1) all persons creating th
Page 11 and 12: to electronic fund transfers (e.g.,
Page 13 and 14: presented without sufficient funds
Page 15 and 16: available balance, the information
Page 17 and 18: - the account balance of your savin
Page 19 and 20: Examples of the types of actions yo
Page 21: no transfers in a particular month.
Page 25 and 26: notice or without notice if your ac
Page 27 and 28: If we cash a check for you that is
Page 29 and 30: Some or all of the checks that you
Page 31 and 32: y means of a preauthorized or autom
Page 33 and 34: Dividend period - For this account
Page 35 and 36: or automatic transfer, telephonic o
Page 37 and 38: at a college or university. After 5
Page 39 and 40: GOLDEN 1 FREEDOM CHECKING SM ACCOUN
Page 41 and 42: enewal if you withdraw the funds in
Page 43 and 44: You will have a grace period of sev
Page 45 and 46: Transaction limitation - We reserve
Page 47 and 48: law, of any items drawn against ins
Page 49 and 50: However, rather than automatically
Page 51 and 52: • Eligible Account Types: The acc
Page 56: Operations Center P.O. Box 15966 Sa

Disclosure of Account Information - The Golden 1 Credit Union

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